School minibus insurance

School trips and sports events are a key part of your pupils’ learning and development – allowing them to explore, play and compete beyond the school gates. But what if an accident happens on the road? Our school motor insurance includes minibuses.

Here’s what is included in our motor insurance:

• Unlimited mileage
• Legal expenses insurance (via ARAG) and uninsured loss recovery
• Any driver (subject to age restrictions & convictions)
• Automatic Europe-wide cover whilst driving abroad (EU and associated countries)
• A courtesy vehicle if the insured vehicle is being repaired following an accident, fire or theft
• Theft or loss of keys, to replace keys, lock transmitter and locks - no limits
• Cover for damage to or loss of personal belongings in the vehicle
• New for old replacement on cars and commercial car vehicles (conditions apply)
• Medical expenses for each person travelling in the vehicle (conditions apply)
• Emergency hotel expenses for each person travelling in the vehicle (conditions apply)

We also offer the following optional covers (available for an additional premium):

• Occasional business use - staff can use their own personal vehicles for unexpected business related use
• Community use - allows your school to offer the vehicle to a voluntary, charitable or welfare organisation for occasional use on a not for profit basis

You can choose from:

• Third-party: The most basic level of insurance. If you have an accident with another vehicle, and are found at fault, you would be covered for damage to the other vehicle. Damage to your minibus, however, would have to be paid for by the school. Compensation for injury or death of passengers travelling in either vehicle is also covered
• Third-party, fire and theft: This policy includes all the cover provided above, as well as damage to your minibus in the event of a fire, theft or attempted theft. You may need to pay for part of your own vehicle damage by way of the applicable policy excess
• Comprehensive: The most extensive cover. It includes all the cover provided above plus further protection. If your school minibus is damaged in an accident, you will be covered for the cost of repair, including the windscreen, even if you are at fault. As above, the applicable policy excess may apply

What is the minimum number of vehicles required to qualify for minibus insurance?

You can insure a minimum of one, up to five registered vehicles (such as minibuses and vans) and two non-registered vehicles, e.g. tractors. If you need to insure a larger number of vehicles, we may still be able to help, but you’ll need to speak to us directly to discuss your requirements. Please call us on 0800 917 9445.

What cover is essential for minibus insurance?

The minimum legal requirement for minibus insurance, or any other kind of motor insurance, is third-party.

Choosing a policy that includes fire and theft or comprehensive cover will give your school, academy or MAT greater protection. All of our cover types also include legal expenses insurance, which covers the costs of legal advice, court fees and other legal expenses.